# Moonwell > Lending made simple Moonwell helps users lend and borrow digital assets through an open protocol on Base, Optimism, Moonbeam, and Moonriver. Moonwell helps DeFi users access lending and borrowing markets across multiple blockchains through its intuitive protocol interface. With it, users can supply assets to earn interest, borrow against collateral, and stake governance tokens in the Safety Module. - Type: Project - Sector: Finance - Status: Active - Founded: 2022-01-01 - Profile: https://thegrid.id/profiles/moonwell ## Products - [Moonwell Protocol](https://thegrid.id/profiles/moonwell): Moonwell Protocol is a multi-chain lending protocol enabling users to supply assets for interest and borrow against collateral. The system supports isolated markets, dynamic interest rates, and integrated vaults for yield optimization across Base, Optimism, Moonbeam, and Moonriver. (Decentralised Borrowing & Lending, Live, Main Product) - [Moonwell Card](https://thegrid.id/profiles/moonwell): Moonwell Card is a physical and digital VISA cards enabling users to spend cryptocurrency in real-world transactions. The system supports Apple Pay, Google Pay, automated top-ups, and spending in over 180 countries through partnership with Cypher. (Card, Live) - [MAMO](https://thegrid.id/profiles/moonwell): MAMO is an automated yield optimization service that deploys personal strategy contracts for users. The system allocates funds between Moonwell and Morpho protocols while automatically converting and compounding reward tokens. (Yield Aggregator, Live) ## Assets - [Moonwell (WELL)](https://thegrid.id/profiles/moonwell): WELL is the governance token of Moonwell Protocol. It is used to vote on protocol upgrades, parameter changes, and treasury allocations across multiple blockchains. Holders can stake their tokens in the Safety Module, a mechanism that protects the protocol by allowing up to 30% of staked assets to be sold to cover shortfalls during deficit events. (Governance) - [Moonwell Family (MFAM)](https://thegrid.id/profiles/moonwell): MFAM is the governance token of Moonwell Apollo, a lending and borrowing protocol deployed on Moonriver. It is used to vote on protocol changes and can be staked in the Safety Module to provide insurance funds that protect the protocol during financial shortfalls. Moonriver serves as an incubation network where new products are tested before deployment on Moonbeam, making MFAM the governance mechanism for Moonwell's experimental deployment. (Governance) ## Links - [Main](https://moonwell.fi) - [Documentation](https://docs.moonwell.fi) - [Forum](https://forum.moonwell.fi) - [Blog](https://mirror.xyz/moonwell.eth) - [Terms of Service](https://docs.moonwell.fi/moonwell/protocol-information/terms-of-service) - [Twitter / X](https://x.com/MoonwellDeFi) - [Telegram](https://t.me/moonwellfichat) - [GitHub](https://github.com/moonwell-fi) - [GitHub](https://github.com/moonwell-fi) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. 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